What We Cover

Special Events Insurance

Fundraisers, galas and community gatherings bring your mission to life, but a single event carries real exposure of its own. Special Events Insurance protects your organization for the date, location and activity of the event itself.

What it covers.

General liability scoped to a specific event, date and location

Liquor liability and host liquor liability, when alcohol is served

Coverage sized to the event — a small gathering or a large public event

Worth Confirming

Independent contractors at your event — caterers, entertainers and security must carry their own liability insurance and add you as an additional insured

Trampolines and bounce houses — many carriers won’t insure them; the vendor needs their own coverage

Why Baker Romero

Specialists, not
generalists.

Event-Specific Protection

Coverage scoped to exactly when and where your event happens

Liquor Liability Built In

Discussed and added whenever alcohol will be served

Affordable, Short-Term

Protection sized to a single event, not a full year

Responsive Support

Report an event and get coverage confirmed quickly

How It Plays Out

An illustrative
example.

A guest was injured at a fundraising gala after tripping over event equipment. The Special Events policy covered the claim, since the event had been reported to the broker in advance.

Illustrative only — not a specific client case.

Questions

Questions we
get asked.

Not always — report your event to your broker in advance, especially if alcohol will be served, so the right coverage is confirmed before the event happens.
Yes — caterers, entertainers and security should provide proof of their own liability insurance and add your organization as an additional insured.
Many carriers exclude these — the vendor supplying the equipment typically needs to carry their own liability coverage for it.
Related Coverages

Coverages that often
go with this one.

General Liability

Volunteer Accident

Let’s find the right fit.

Tell us how your organization actually runs and we’ll tell you what you need — or call and ask for Lillian.